Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). A current level of 16.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8. Good liquidity 5.5, driven by a liquidity ratio of 45.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (52%), securities (6%), home mtgs (1%), other (41%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2321 Carter Avenue
Ashland, KY 41101
Ashland, KY 41101
Phone Number
(606) 324-0888
NCUA Charter Number
Largest Competitors
Frankfort, KY
Radcliff, KY
Ashland, KY
Ashland, KY
Ashland, KY